大砍王牌业务！富国银行缩减抵押贷款业务，退出代理贷款

格隆汇2023-01-11

当地时间周二，富国银行（Wells Fargo）表示，正在缩减其住房抵押贷款业务，旨在为自己的银行客户以及“少数族裔社区”的人提供服务。同时，富国银行宣布将退出代理业务，银行在该业务中充当交易的第三方中介，并计划缩减其贷款服务组合的规模。早在去年8月，富国银行就透露出相关消息。受此消息影响，富国银行收跌0.07%，报42.36美元/股。富国银行表示，在收缩这些业务的同时，将扩大去年推出的一项计划，...

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Wells Fargo Reduces Mortgage Business and Withdraws from Agency Loans","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"WFC":1},"content_text":"当地时间周二，富国银行（Wells Fargo）表示，正在缩减其住房抵押贷款业务，旨在为自己的银行客户以及“少数族裔社区”的人提供服务。同时，富国银行宣布将退出代理业务，银行在该业务中充当交易的第三方中介，并计划缩减其贷款服务组合的规模。早在去年8月，富国银行就透露出相关消息。受此消息影响，富国银行收跌0.07%，报42.36美元/股。富国银行表示，在收缩这些业务的同时，将扩大去年推出的一项计划，该项计划旨在帮助少数族裔房主。据富国银行透露，这将包括额外投资1亿美元，以促进住房中的种族平等，以及“未来几年在这一领域的持续投资”。富国银行的消费者贷款首席执行官Kleber Santos则表示，抵押贷款是“一种重要的关系产品”，因此决定继续成为富国银行客户以及少数购房者的贷款人。Santos称：“正在决定通过缩小规模和缩小重点，继续降低抵押贷款业务的风险。”“作为过去十年来向黑人和西班牙裔家庭提供贷款的最大银行，我们仍然致力于促进住房所有权中的种族平等。”2008年金融危机后，大多数美国大型银行认为，适度的抵押贷款业务更好。而富国银行却是一个例外，它利用再融资的激增创下了创纪录的利润，占据了超过33%的市场份额。当前，富国银行是仅次于Rocket和United Wholesale Mortgage的第三大美国房贷提供商。不过，去年以来，由于美联储不断加息以抑制通胀，将抵押贷款利率推向20年来的最高水平，一些潜在购房者也被挤出了市场。富国银行的业务也受到了影响。作为美国银行中最大的房屋贷款机构，富国银行曾在12月时对相关业务部门进行裁员。该银行首席财务官Mike Santomassimo也曾在10月份告诉投资者，由于利率上升，预计抵押贷款业务“在短期内仍将面临挑战”。此外，近年来，富国银行的一系列丑闻曝光，并引发了代价高昂的监管制裁。去年12月，美国消费者金融保护局(B)曾向富国银行开出了有史以来最大的民事罚单，这是该监管机构与富国银行达成的37亿美元和解协议的一部分，该协议涉及广泛的汽车贷款、抵押贷款和银行账户管理不善。对于未来发展，富国银行在逐渐退出房贷市场的同时，把战略重心逐渐转移到投资银行业务、信用卡业务等方面。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2302435500"}